The No Annual Fee Morgan Stanley Gold Card MORE than just a credit card.

Imagine a credit card that gives you everything you could wish for - a credit limit to suit your needs, exclusive gold-level privileges and not one, but two low rates of interest.

Apply for your Morgan Stanley Gold Card before 1 November 2003 and pay just 0% p.a. on all Balance Transfers and Purchases fixed for the first six months your Account is(13.2% APR).